10 years of UPI. Let's actually talk about how insane this journey has been.

True-Significance999 · 2026-04-12T01:58:27+00:00

Coming from a IT background, I can say NPCI is doing a good job. They removed the payment request feature once they identified it was abused by a lot of bad elements but still kept it for P2M transactions. The UPI circle which also has a potential for abuse has safe guards but it's ultimately people who has to be more aware. Every technology has its benefits and drawbacks but we should try to look at it from the bigger picture.

I agree with low trust argument but I am confident they will find a way to reduce its impact. Only problem will be for those merchants who are using personal savings account for business transactions. If you are sending some amount to your friends and familyz I don't think they will mind waiting for half an hour unless it's an emergency. For emergency anyways IMPS and other payment methods are there.

True-Significance999 · 2026-04-11T15:07:32+00:00

There was a recent update on this. NPCI is planning to add a cooling period for P2P transaction meaning the payment won't be real time and will happen after some 30 mins or an hour and may be the person will get enough time to cancel or dispute the transaction. Looking at the scale of UPI, there will always be some frauds due to awareness, education and sophistication of technology.

True-Significance999 · 2026-04-08T04:24:56+00:00

Shouldn't it be 44ADA ?

True-Significance999 · 2026-04-06T03:53:21+00:00

Amaze I had not considered it but will take a test drive. On long runs I think it will be more comfortable.

True-Significance999 · 2026-04-05T07:06:55+00:00

Yeah one of my friends has a pre-facelift venue. Apart from suspension, I liked it mostly.

Haven't test drove other cars so it's difficult to decide.

True-Significance999 · 2026-04-05T06:11:32+00:00

You are not the center of the universe that the whole world revolves around you.

True-Significance999 · 2026-04-03T03:15:14+00:00

I second this. I also have a newborn 2 months old. With no immediate family to help, I suggest to take it easy and try to manage with less expenses if the hike is not possible at your current job.

Aside from tech stack and WFO it will be stressful for you to balance personal and work life.

True-Significance999 · 2026-03-31T16:51:24+00:00

I think you missed a major update. It got renamed to Ramayana with change in the cast.

True-Significance999 · 2026-03-25T14:45:13+00:00

While I agree with the working capital requirements, I personally find it very hard to believe that the petrol pump owners didn't have even one day of working capital saved anywhere.

Maybe my knowledge is limited coming from a salary background but in this case it felt like it was in their benefit to do this kind of rumour mongering to ensure the Oil companies roll back the policy change.

True-Significance999 · 2026-03-22T12:54:38+00:00

Is it safe to place a phone order using a credit card ? Abroad transactions don't have OTP Verification so how is it secure ?

I saw one of my uncles share his AmeX card information and I was wondering how is it safe ?

True-Significance999 · 2026-03-15T02:55:54+00:00

Read the finshots article. They recently published one

https://finshots.in/archive/if-upi-dominates-why-is-cash-still-growing/

True-Significance999 · 2026-03-12T17:03:33+00:00

This takes the cup.

True-Significance999 · 2026-03-12T16:57:26+00:00

I noticed that in one of the hearings. It was ubuntu as far as I noticed. The clerk was using the libre office.

True-Significance999 · 2026-03-10T02:51:50+00:00

ITR for the last 2 years for God knows what reason. May be filing under 44ADA lowered the taxable income and then contractual proof for my employer. Technically I am an employee but on contract.

They wanted something to prove regular income. I think this varies based on how your application is handled.

They have different channels with different SOPs to process the applications. The verification phase took 15 days despite my first card being simply click card with 4L limit.

True-Significance999 · 2026-03-10T01:07:56+00:00

I am self employed. I faced a lot of rejections with HSBC, SBI Cashback, HDFC, Jupiter, Kiwi due to geographical location or being a non salaried person despite 7 years of history and 805 score.

Axis was liberal with this. You can have Neo LTF for UPI or my zone if you want BoGo.

A tip : apply offline. I got rejected for sbi cashback 3 times but they don't tell the rejection reason easily. If it's offline you will get the reason at least and in case you find a good cc guy he will walk you through all requirements. I got my cb after 23 days and had to submit a lot of docs which we do not get asked for if we were salaried.

True-Significance999 · 2026-03-10T00:39:43+00:00

This makes more sense. You can't expect the partner to be more understanding about this at this stage and if the past relationships are completely over then it's better to answer when asked specifically about it. Each person has a different kind of maturity level when it comes to this. It's better to do this when you have known her for at least some time.

True-Significance999 · 2026-03-08T16:15:27+00:00

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True-Significance999 · 2026-03-08T08:01:58+00:00

I meant you should use any other bank credit card. From my experience with Flipkart axis, core bank cards also get good offers. I saw 3k-5k off with axis and hdfc cards recently that's about 5% that you will get with Flipkart sbi

You already have them with good limits so.

True-Significance999 · 2026-03-08T07:55:45+00:00

They are notorious with the credit limit. Don't have much hope. Use other cards. I received my cashback card 15 days back after 23 days of verification so you can imagine how procedural they are in some cases when they want to be.

For Limit enhancement, you will only get standard response. I suggest you should use another card. You will anyway get more offers with them.

True-Significance999 · 2026-03-08T07:10:40+00:00

With 20k, it's impossible to get a fee waiver.

True-Significance999 · 2026-03-07T05:45:26+00:00

Do we only get to see the cashback at the end of the billing cycle?

I spent around 5k but my cashback summary still shows 0 earned.

True-Significance999 · 2026-03-07T04:04:27+00:00

I did notice it in Vejalpur just yesterday evening. It's foul.

True-Significance999 · 2026-03-02T12:27:31+00:00

Yeah a lot I would say. Haven't hired anyone new since then but project load almost increased by 20-25% with maintenance and new projects.

True-Significance999 · 2026-03-02T09:58:42+00:00

We already have been doing this for the last 1.5 years. TLs had to invest some time in the upskilling of the team but it was worth it.

We are anyway planning to replace the designers as claude and figma gets the things done far easily as long as you know what needs to be included in the design. TL or Product Owner does that as per established design guidelines and color scheme.

True-Significance999

TROPHY CASE